315 N Lorel Ave, Chicago, IL 60644 Property Records

Cook County property record for 315 N Lorel Ave, Chicago, IL 60644

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,100 sqft · built 1894
Lot Size	0.116 acres (5,040 sqft)
Owner	Individual Name on File
Last Sale	$159,000 (Apr 2005)
Tax Bill	$883 (2023)
Deeds & Mortgages	Jul 2026 Mortgage Feb 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-09-304-015`

Property Details

APN / Parcel Number

Primary APN	`16-09-304-015`
Alternative APN	`16-09-304-015-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,100 sqft Living Area

Exterior

Year Built	Built 1894
Effective Year Built	Effective 1896
Architectural Style	Old Style
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	5,040 sqft (0.116 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	315 N LOREL AVE
City	CHICAGO
State	IL
Zip	60644-2444
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-3
Legal Description	(SUBDIVISION) OF EH LYING S OF LAKE ST WH NE SW SEC 09-39-13
Legal Range	13E
Legal Township	39N
Legal Section	09
Legal Subdivision	SUBDIVISION OF EH LYING S OF LAKE ST W
Legal Block	1
Legal Lot Number	12
Jurisdiction	COOK IL
Township / Civil Division	CHICAGO
Census Block Group	1
Census Block	1003
Census Tract	251900

Owner

315 N Lorel Ave is owned and occupied by an individual who bought it in April 2005.

Source: Cook County records, as of August 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	315 N LOREL AVE, CHICAGO, IL 60644-2444
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2026	Deed of Trust, Mortgage · FHA Mortgage AMERICAN MORTGAGE ACCEPTANCE
Feb 6, 2023	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Mar 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 18, 2005 · Amount on File
Deed Sale	Apr 18, 2005 · Amount on File
Deed Document Number	200514172
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Recording Date	Jul 31, 2026
Property Address	315 N LOREL AVE, CHICAGO, IL 60644-2444
Document Number	0000002021
Instrument Date	Jul 25, 2026
Instrument	20262021
Transaction Type	Mortgage
Record Updated	Aug 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 N LOREL AVE, CHICAGO, IL 60644-2444

Mortgage

Document Number	0000002021,
Date	Jul 31, 2026
Instrument	20262021

Lender

Name	AMERICAN MORTGAGE ACCEPTANCE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	5.49%
Max Rate	-1%

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	315 N LOREL AVE, CHICAGO, IL 60644-2444
Transaction Type	Mortgage
Record Updated	Feb 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003755048
Date	Feb 6, 2023
Instrument	2303755048

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2053

Interest

Rate	4.99%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	315 N LOREL AVE, CHICAGO, IL 60644-2444
Transaction Type	Mortgage
Record Updated	Mar 24, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007339069
Date	Mar 14, 2022
Instrument	2207339069

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

Source: Cook County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Cook County
Municipality	Chicago City
Unified School District	Chicago Public School District 299 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$18,400 Land $6,048 Building $12,352	$184,000 Land $60,480 Building $123,520
2023	$883.00 (+5.24%)
2022	$839.00 Homeowner's exemption	$7,500 Land $3,981 Building $3,519	$75,000 Land $39,810 Building $35,190

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 315 N Lorel Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 11, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 315 N Lorel Ave has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CHICAGO serves 2,721,308 people · EPA ID IL0316000
Water Source	Surface water
Last State Inspection	Mar 2026
Lead	6 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	8 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 587 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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